We have also provided a FAQ document with answers to questions we anticipate you ll receive.

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1 Producer Bulletin Underwriting response to California Wildfires For: All Agents & Brokers Effective: Immediately November 1, 2017 Dear Agency Partner, In response to recent wildfires that occurred in California beginning October 9, in addition to our 60-day billing moratorium (Oct. 9, 2017 Dec. 7, 2017), where we will not be terminating policies in the counties identified below for non-payment, we will also be providing a catastrophe related underwriting exception. We will not non-renew policies for underwriting reasons on dates effective during the previously highlighted 60-day moratorium period in the following counties: Butte, Lake, Mendocino, Napa, Nevada, Orange, Solana, Sonoma and Yuba. We have also provided a FAQ document with answers to questions we anticipate you ll receive. In addition, please refer to the attached CEA bulletin regarding temporary modifications to CEA processes and procedures to assist clients impacted by wildfires. If you have any questions regarding this notice please contact your local Territory Sales Director or our Private Client Solutions Center at On behalf of the entire Nationwide Private Client team, we thank you for your business. Regards, Your Nationwide Private Client Team Follow us on: Insurance overview is for informational purposes only and does not replace or modify the definitions and information contained in individual insurance policies, their endorsements or declaration pages, which are controlling. Terms and availability vary by state and exclusions apply. Products underwritten by Nationwide Mutual Insurance Company and Affiliates, including Crestbrook Insurance - Columbus, OH. Nationwide Private Client, Nationwide, and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company Nationwide.

2 Claims: General Report Claim How do clients file a claim? Nationwide Private Client policyholders should contact their agent or our Private Client Solutions Center at (Monday Friday 7 am 8 pm CT). Deploying How is Nationwide mobilizing to help clients? Nationwide associates are already deployed to impacted areas to assist our clients as areas become accessible and safe. Catastrophe Response Units (CRUs) are mobilized as needed where logistics and client access make sense. Questions about filed claims Reasonable repairs Proof of Insurance If a client or agent has a question about a claim that has been filed, who should they contact? Will customers be reimbursed for costs associated with making reasonable repairs if the home or business is repairable? What do I do if I don t have my policy information because it was destroyed? Impacted Nationwide Private Clients have been contacted by their assigned claims associate. Should a client or agent have a question on any specific claim, they should contact the assigned Nationwide claims associate. Should the home or business be repairable, policyholders should be encouraged to submit receipts or invoices for costs incurred for making reasonable repairs to protect covered property from further damage. If the property was damaged by a covered loss, depending on the policy in force, they may be reimbursed for these costs. Advise the customer to save all receipts. Once temporary repairs are made, the customer may obtain estimates from local contractors, but they should wait to hear from a Nationwide Claims associate before proceeding further. Depending on the scope of the repair, the associated repair costs may not rise above the amount of the applicable deductible. Nationwide Private Client policyholders can contact their agent or register for Private Client Connect TM (nationwide.com/privateclient) through our online client portal or mobile app to get a copy of their policy and request vehicle ID card(s). 1

3 Claims: Personal Lines Property (Homeowners) Additional Living Expense When will Additional Living Expense (ALE) be reimbursed? This coverage applies when a covered loss makes the client s residence premises not fit to live in, we cover the reasonable increase in normal living expenses that is necessary to maintain the client s household s usual standard of living. We cover this increase for the reasonable amount of time required to restore the residence premises, or if client or members of their household permanently relocate, the shortest amount of time required to settle elsewhere. Each claim will be handled based on its own facts and circumstances according to the claims investigation, policy language and applicable laws. Trees Are trees covered? Coverage will apply based on the applicable policy provisions in force at the time of the loss. Each claim will be handled based on its own facts and circumstances according to the claims investigation, policy language and applicable laws. Contractors Total Loss to Home Coverage while total loss is rebuilt What advice should I give customers about obtaining a contractor s estimate? What if my home is a total loss? To what amount can a property owner lower their coverage in CA while rebuilding a total loss home? Check references, any history of consumer complaints, and/or consult the Better Business Bureau to be sure the contractor is licensed and obtain the contractor s license number. Obtain an itemized estimate (i.e., not a lump sum estimate) and an agreement as to the work to be completed prior to signing a contract. Be aware of contractors requesting large advances or payment up front before the work is started. The claim associate will work directly with the client to review their applicable policy coverages. Each claim will be handled based on its own facts and circumstances according to the claims investigation, policy language and applicable laws Clients may work with their agent to determine the amount and type of coverage needed before, during and after the rebuilding process. 2

4 Emergency payments Direct billing Property repair If a client has submitted a claim for home loss, how quickly will emergency payments for loss of use and personal property be issued? Can direct billing to Nationwide be set up for loss of use expenses, such as hotel or rental home costs, so that policyholders do not have outof-pocket expenses? Clients are being contacted by vendors for cleanup and/or assessment, advising they were hired by Nationwide for their claim. Is this direct contact with policyholders legitimate? Claims associates deployed to the area are working as quickly as possible to meet with clients who have filed claims. All coverages will be reviewed and will apply based on the applicable policy provisions in force at the time of the loss. Each claim will be handled based on its own facts and circumstances, according to the claims investigation, policy language and applicable laws. Nationwide currently partners with a number of vendors to assist policyholders in finding temporary housing. As each claim is evaluated on its own merits, the associate will review these options directly with the policyholder. The On Your Side Property Repair Network has credentialed vendors available to assist on covered losses. We have brought additional vendors into the area to assist with the volume. The selection of a repair vendor is always the client s choice. Nationwide cannot hire a contractor for them. Clients should contact the claims associate assigned to their claim to confirm whether the vendors claiming to be affiliated with Nationwide are part of the Property Repair Network. Claims: Personal Lines Auto Auto Claim Vehicle movement Repairable What will happen after a client files an auto claim? When will the vehicle be moved? What if the vehicle is repairable? The Claims associate assigned to the claim will work with the client to determine the most efficient, thorough and safest approach for handling the claim. Tow trucks will be assembled to facilitate moving client vehicles as quickly as possible to where the authorities and road conditions allow. If the vehicle is determined to be repairable, the Nationwide claims associate will be able to coordinate with the client to move the vehicle to the client s choice of repair facility. If the client does not know of a repair facility he/she would like to use, the claims associate will be able to explain the features and benefits of Nationwide s On Your Side Auto Repair Network. 3

5 Services: Billing Billing Moratorium Will Nationwide be giving clients in designated counties within California a billing grace period? Yes. As a courtesy to our clients in the heavily impacted California counties listed below, they will not receive normally scheduled billing warning notices or non-payment termination notices (i.e., for non-payment cancellation or expiration) from Oct. 9 through Dec. 7, In addition, no billing-related fees will be assessed during this time period. We ll update this moratorium to comply with any California Department of Insurance mandates that may be issued. - Butte - Lake - Mendocino - Napa - Sonoma - Solano - Nevada - Orange - Yuba Non-payment terminations which may have already been issued on or after October 9, 2017 through October 17, 2017, will be reversed without a lapse, and any related late fees that were assessed during that time period will be waived, reversed or refunded. If clients do not make any payments during this grace period, coverage will not be interrupted due to non-payment. However, when regular billing resumes at the end of this time period, policyholders will still be appropriately charged for premium that the company earned for the coverage provided. Given this, clients may continue to make payments during the grace period in order to practically avoid seeing larger than normal billed amounts at the end of this accommodation period. 4

6 Services: Underwriting Underwriting Restrictions Will Nationwide non-renew policies for underwriting reasons in designated California counties impacted by wildfires? In addition to our 60-day billing moratorium (Oct. 9, 2017 Dec. 7, 2017), where we will not be terminating certain policies for non-payment, we will also be providing a catastrophe related underwriting exception. We will not non-renew policies for underwriting reasons for nonrenewal dates effective during the previously highlighted 60-day moratorium period in the following counties: o Butte o Lake o Mendocino o Napa o Nevada o Orange o Solano o Sonoma o Yuba 5